Get paid with Sentoo

1. 1.

   Opens the invoice link

   The email with your invoice links to its page, which shows the amount due and Sentoo under Pay online.
2. 2.

   Approves the payment with their bank

   Sentoo opens the payment, and the client reviews and approves it in their own online banking or banking app.
3. 3.

   The invoice is marked paid

   When Sentoo confirms the payment, Zentract records it on the invoice, marks the invoice paid and lets you know.

1. 1.

   Have a Sentoo merchant account

   You need a Growth or Scale plan and an admin login in Zentract. If you don't have a merchant account yet, sign up at sentoo.io. Sentoo requires Chamber of Commerce registration and a business account at a participating bank.
2. 2.

   Connect it

   In Organization settings, open Payments. Under Sentoo, enter the merchant ID and secret from your Sentoo merchant portal and choose Connect Sentoo. Zentract doesn't test the credentials, so try a small payment first.
3. 3.

   Point Sentoo to Zentract

   In the Sentoo merchant portal, set the Payment status URL to the address Zentract shows under Sentoo. Sentoo uses it to tell Zentract about payments.
4. 4.

   Send an invoice in USD, XCG and AWG

   With your organization's currency set to one of these, the invoice link offers Sentoo under Pay online.

What is Sentoo?

A Dutch Caribbean payment service that lets people pay from their own online banking or banking app at local banks, with no card or wallet needed. Sentoo's site lists Curaçao, Aruba, St. Maarten, Bonaire, Saba and St. Eustatius, not Suriname.

Which invoices can clients pay with Sentoo?

Invoices in US dollars, Caribbean guilders (XCG) and Aruban florins (AWG). If you also connect Stripe, US dollar invoices are paid by card or US bank transfer through Stripe instead. Stripe needs an account in a country it supports, and its list doesn't currently name the Dutch Caribbean or Suriname, so a business established only here may not be able to connect it. Zentract has no online payment for SRD invoices, so those are paid offline and recorded by hand. The currencies you can collect depend on your Sentoo merchant agreement and linked bank accounts. Zentract invoices in your organization's currency.

Can a client on another island pay with Sentoo?

Check with your bank first. Aruba Bank's Sentoo FAQ says payments are currently limited to local companies on the same island. If you've added bank details in Payments, they print on the attached invoice and the client can pay by bank transfer. The invoice link doesn't show them while online payment is available.

Does Zentract charge a fee on Sentoo payments?

No. Zentract adds no fee, and Sentoo's own pricing applies. Payments go to the account in your Sentoo merchant agreement. Sentoo also offers an escrow option, so check your agreement.

Which Zentract plan do I need?

Growth or Scale. Invoice links, bank transfer details, payments you record by hand and overdue reminders work on every plan.

Can a client pay part of an invoice with Sentoo?

No. Online payments cover the full balance due. Record partial payments on the invoice by hand.

When is the invoice marked paid?

When Sentoo confirms the payment. Once Sentoo reports it as pending, the invoice link shows “Payment processing” and can't be paid online again. Before that, the Sentoo option stays open.

How do refunds work?

Refunds aren't made through Zentract. Aruba Bank says a client can't reverse a Sentoo payment through the bank and should contact the business, so clients will come to you. Sentoo's terms say a refund isn't a Sentoo service and is handled between you and your bank. They also say a successful payment can still be reversed in rare cases, so check your bank statement. Zentract won't update the invoice if that happens.

Zentract also applies local tax to your invoices: see Curaçao OB, Aruba BBO, BAVP and BAZV and the other islands.